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In this work we deal with the recent (1995-2024) Federal Reserve operated monetary policies, which were two unprecedented and distinct monetary policy regimes. They were, the inflation stabilization era (1995-2008) and the zero-interest rate era (December 15, 2008-December 15, 2015) and again (March 15, 2020-March 15, 2022), plus the current corrective period (March 16, 2022-present). These different monetary policy regimes provided various outcomes for interest rates, financial markets, inflation, cost of living, employment, international trade, and real economic growth. Then, a new “progressive” fiscal policy was imposed in 2021. Some of the important, but not so beneficial results are that monetary policy appears to be able to affect long-term real interest rates, risk, the prices of the financial assets (bubbles), inflation, and very little the real economic growth. The Fed’s interest rate target was set during these nine years at 0% to 0.25%. It has created a low level of long-term interest rates and the negative real rate of interest (cost of capital), due to double digit inflation and a negatively sloped yield curve. The evidence suggests that these public policies are not very effective; they have created a new and continued bubble in the financial market, perpetuated inflation, enormous deficits and debts, a redistribution of wealth from risk-averse savers to banks and risk-taker speculators, and a huge social cost (bail-in and bail-out cost), an endless vicious cycle. This unfair and anti-social monetary policy has increased the risk (RP) to the risk-averse depositors by making the real rate of interest negative and the cost to taxpayers with the IOR and the IONRRP. The effects on growth and employment of both public policies (monetary and fiscal) were gradual, small, and questionable, due to exaggerated liquidity, outsourcing, unfair trade policies, the suspicious COVID-19 pandemic, liberalism, the obsession with the “environment”, the “war” against fossil energy, the enormous inflow of illegal immigrants, the new wrong ideologies, the control of human beings, the wars in Ukraine, Palestine and Lebanon, the division among the political parties and the unethical campaigns for the presidential elections, and other restrictions and “innovations”, which increased uncertainty, the cost of production and generated enormous deficits and debts.

Sociocultural and digital metamorphoses have impressed academics, researchers and professionals to consociate meticulously for imparting cogent accounting education. Accounting education in India is at climax, experiencing legion obstacles yet retaining golden ticket for robust sprouting. This paper bottomed on secondary method approach explores the status quo of accounting education, unearthing basic issues like outmoded curricula, sketchy pragmatic training, industry-academia alienation and a lacuna of accredited pedagogue. Further, it reconnoitres cutting-edge implications and glocalization on accounting profession. Potentialities for amelioration are also examined, escalating the necessity for dynamic curriculum, strengthened industry-academia collaboration, promotion of research, and association of digital techniques in the academic journey to clinch that the motif is venerated by the offspring crying for technology. By encountering the challenges, India can cultivate a hearty accounting education methodology that complies with international standards and outfits students with the dexterity expected for the budding fintech ecosystem.

The study of the lending sector, particularly in the context of digital lending, highlights the online credit top-up feature available through various applications. Lending refers to the process of distributing or borrowing funds, wherein customers engage in borrowing activities. Financial institutions, acting as lenders, typically earn profits through interest rates charged on these loans. This manuscript seeks to examine the public banking sector’s relationship with digital lending, employing methods grounded in literature reviews and analyses conducted using the NVivo software. The researcher aims to identify key themes and sub-themes, along with their antecedent variables, to evaluate the effectiveness of digital lending practices. Furthermore, it is essential for managers to recognize the numerous factors that influence the enhancement of digital lending within the financial ecosystem.

The concept of environmental accounting is to compensate the loss or degradation caused to the environment by the production activities of any business organization. The concept of environmental accounting is based on the pollutant pay principle. Pollutant pays principal means the organization that is responsible for polluting the environment is made liable to pay the cost to restore the environment. This research paper attempts to give an overview regarding environmental awareness on green accounting practices and reporting among Indian organizations. A small step has been taken to throw light on the environmental awareness its practices and environmental reporting by Indian organizations, and the problems faced by Indian organizations in implementing those practices.

The creation, application, and effectiveness of a Strategic Marketing Management Analysis and Notification System (SMMANS) are examined in this research study. In the modern corporate world, where digital transformation is happening at a breakneck pace and data creation is growing at an exponential rate, companies struggle to effectively manage and analyze massive volumes of marketing data in order to make well-informed decisions. SMMANS is a complete solution to this problem by providing an integrated platform that includes real-time alerting features, strategic planning tools, and extensive data analysis capabilities. This study applies a mixed-methods research methodology, including qualitative case studies and quantitative data analysis, to investigate the effect of SMMANS on marketing success in a variety of businesses. The results show that companies using SMMANS saw significant gains in a number of KPIs, including as campaign effectiveness, customer engagement measures, and total marketing return on investment (ROI). In addition to adding to the expanding body of knowledge on data-driven marketing tactics, this study offers practical advice for marketing experts and company executives looking to maximize their marketing efforts in an increasingly data-centric corporate environment.

Child marriage is not only a violation of human rights but also a practice with profound and long-lasting consequences for young women’s mental health and emotional well-being. It not only affects to individual but also the whole community in the long term due to negative spill-over effects. This paper explores the psychological impact of child marriage on minority women in Vietnam, a country where early marriage remains prevalent among ethnic minority communities. Through an analysis of cultural, social, and economic factors, the study examines how early marriage subject’s minority women to emotional distress, social isolation, and a lack of educational and personal development opportunities. These factors often lead to anxiety, depression, and long-term trauma. The research has used survey question combining with interview of 10 minority people to find out the main reasons and address the psychological impact of child marriage, which is essential to propose solutions for this issue.

Human resource management (HRM) is changing dramatically in the age of digitization, with advances in information technology, data analytics, and automation. This study investigates the changing role of HRM in using digital tools to improve recruiting, staff involvement, growth of talent, and job performance evaluation. The use of artificial intelligence (AI), machine learning (ML), and big data into HR processes is changing the way businesses manage their personnel, allowing for more effectiveness, customization, and strategic choice-making. This study investigates both the potential and problems that personnel managers confront while responding to digital advancements. This research paper aims to find out the importance of digital tools like artificial intelligence, machine learning, and data analytics in improving HR activities such as staffing, training, and worker assessment and the problems that HR professionals face while embracing and integrating new technology while maintaining human-centered management techniques. It was found that the change to digital HR involves careful consideration of data protection, ethical AI use, and the need to combine technology with the human touch in order to retain employee well-being and company culture.

This study aimed to identify the relationship between the factors of intention to use cashless payment and adoption of cashless payment among students in semesters four and five of Office Systems Management students at UiTM Pahang Branch, Campus Jengka. This study was conducted using the correlation survey research approach with three research objectives, three research questions, and two research hypotheses that involved 134 students in semesters four and five of Office Systems Management program. By using the simple random sampling method, 97 students have been selected to be the sample in this study. To collect data from the respondents, researchers used two types of scales that consist of Category Scale and Likert Scale. For section A titled: Demographic Profile, the researchers used the Category Scale on that section. Section B titled: Factors of Intention to Use Cashless Payment and Section, C titled: Adoption of Cashless Payment used the four-point Likert Scales on each section of the questionnaire. This investigation employed the Statistical Package for Social Sciences (SPSS, version 29) to interpret the acquired data, utilizing correlation analysis to evaluate the three research objectives. The study’s findings indicate that there is a significant positive correlation between the intention to use cashless payment and the adoption of contactless payment among students enrolled in the Office Systems Management program at UiTM Pahang Branch, Campus Jengka. The researchers confirmed that a variety of factors, including performance expectancy, effort expectancy, social influence, facilitating conditions, and perceived trust, influence students’ strong predisposition to accept digital compensation.